what do i need to get an auto insurance quote?

Other insurance companies may ask you to provide a mountain of info to get a car insurance quotation — but not Esurance.

With our Express Lane feature, all you need is your name, date of birth, and garaging address. From there, we pull up your car's VIN, make, and model, plus previous insurance information. That's all there is to it! No scrounging around for docs. No fretting over a pile of papers.

how are car insurance rates determined?

Insurers base car insurance rates on a number of factors. Among the most important include:

Your driving record (the cleaner, the better)

Age and gender (older, female drivers generally carry the least risk)

Where you live (collision or vandalism rates in the area)

Insurers also consider other less weighted variables to personalize your premium, such as:

Your car's level of crash safety

Your credit-based insurance score

How often you drive

Previous insurance history

Additionally, Esurance offers a bunch of discounts and savings that start adding up the moment you start a car quote.

how do i get the right amount of coverage?

You have choices when it comes to your auto insurance policy. But we understand that it may feel a tad tricky to pinpoint which coverages you need, and which ones you don't.

Luckily, Coverage Counselor® — only from Esurance — can quickly help you identify the coverage options and limits that are right for you, at a price you can comfortably afford.

It'll ask you some simple questions about you, your car, and a few extras. Then, presto! Coverage Counselor will give you a full list of coverages you may want to consider based on your answers. And if you're satisfied with the list of coverages, you can get a quote from there.